Drivers urged to avoid specific type of car insurance

Drivers urged to avoid specific type of car insurance


Martin Lewis warns viewers about drastic car insurance changes

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Drivers have been putting up with high fuel prices for nearly a year now. The latest RAC Fuel Watch indicates that motorists will have to pay 168.36p per litre of unleaded and 183.19p per litre of diesel on average.

The costs of owning a vehicle are also creeping up with drivers having to pay for insurance, MOTs and general upkeep.

With that in mind and to save drivers money, motoring experts have warned that third-party insurance can be 73 percent more expensive than fully comprehensive car cover for an average driver.

According to car insurance comparison website, drivers aged between 17 and 21 could also save 11 percent by opting for full insurance.

Greg Wilson, the founder of, said: “With the cost of living on the rise, drivers need to be on the lookout for savings wherever they can.”

He added: “As counterintuitive as it seems, third-party car insurance is often a more expensive option for many drivers.

“And it also leaves people at risk of further financial damage, so we’d always recommend fully comprehensive, if possible, especially when it’s actually a cheaper policy for many drivers and the cost of parts and repairs are surging.”

Mr Wilson continued: “Young drivers are seen as more of a risk in the eyes of the insurer.

“This is because they haven’t had time yet to gather data that would say otherwise, but that doesn’t mean young drivers can’t shop around and find a more affordable premium.”

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The news comes after drivers were warned about a recent Highway Code rule that could land passengers with a £200 fine.

New rules came into effect across the UK earlier this year meaning that drivers will now be prosecuted for using a mobile phone even if they only check the time while driving.

The fine is up to £1,000 and six points on a licence.

On top of that, anyone caught using a phone in the car while supervising a learner driver will also be fined under the new rules.

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That means if the law deems that a passenger is technically supervising another driver, they could be hit with a £200 fine and six points on their licence.

Now drivers can no longer touch their device, take photos or videos, access playlists or use other apps while they drive.

Phone use at traffic lights or in motorway queues will also be seen as illegal under new Highway Code rules.

Anyone using a device while driving faces a £200 fixed fine plus six points added to their driving licence.

Motorists are, however, permitted to use their phones to pay at a drive-thru restaurant or a road or bridge toll.

They can also use their mobiles in case of an emergency to dial 999.

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